The Bank of Khyber Balance Sheet

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	24,177	13,347	11,703	13,630	8,398	18,092
Investment Securities	311,241	273,607	281,710	223,348	177,610	184,163
Trading Asset Securities	-	1,358	1,063	31.45	59.03	2,743
Total Investments	311,241	274,966	282,773	223,380	177,669	186,906
Gross Loans	-	144,032	161,862	111,942	138,952	134,405
Allowance for Loan Losses	-	-11,984	-12,847	-8,354	-7,636	-6,856
Other Adjustments to Gross Loans	-	-1,904	-1,999	-	-	-
Net Loans	-	130,144	147,016	103,588	131,315	127,549
Property, Plant & Equipment	6,300	6,423	6,353	6,949	5,613	5,137
Other Intangible Assets	370.74	379.65	361.36	428.61	473.72	450.24
Accrued Interest Receivable	-	6,520	9,079	13,228	6,923	6,649
Other Receivables	-	477.29	343.09	5,228	48.15	-
Restricted Cash	-	15,268	15,542	14,226	11,433	11,398
Other Current Assets	-	999.58	346.66	204.9	1,059	671.41
Long-Term Deferred Tax Assets	2,204	1,033	1,194	1,347	1,368	992.41
Other Real Estate Owned & Foreclosed	-	335.6	315.34	379.14	357.6	390.87
Other Long-Term Assets	14,404	1,295	469.79	599.05	327.33	369.94
Total Assets	488,197	453,300	477,564	383,186	344,984	358,606
Accrued Expenses	-	1,874	1,497	961.65	497.89	484.29
Interest Bearing Deposits	362,533	307,052	222,742	240,654	206,486	186,310
Non-Interest Bearing Deposits	-	71,071	54,900	48,638	42,420	35,566
Total Deposits	362,533	378,123	277,642	289,292	248,906	221,876
Short-Term Borrowings	-	32,333	128,811	45,571	61,129	106,451
Current Portion of Long-Term Debt	-	553.06	719.2	700.33	992.47	101
Current Portion of Leases	-	585.57	666.44	656.71	-	-
Current Income Taxes Payable	-	-	1,451	945.27	-	-
Accrued Interest Payable	-	7,405	16,026	13,831	7,579	5,595
Other Current Liabilities	2,029	3,378	22,167	3,885	2,914	1,089
Long-Term Debt	89,515	2,812	4,011	4,208	4,175	3,994
Long-Term Leases	1,758	1,172	1,481	1,750	1,369	1,447
Long-Term Unearned Revenue	-	774.44	395.28	345.44	308.13	385.56
Pension & Post-Retirement Benefits	-	3.5	-	-	-	-
Other Long-Term Liabilities	10,922	608.67	797.59	739.02	686.53	612.84
Total Liabilities	466,757	429,623	455,665	362,885	328,557	342,036
Common Stock	11,579	11,579	11,579	11,028	11,028	10,503
Retained Earnings	9,803	10,738	8,643	9,149	5,629	5,717
Comprehensive Income & Other	57.43	1,359	1,677	124.62	-229.86	350.62
Shareholders' Equity	21,440	23,677	21,899	20,301	16,427	16,570
Total Liabilities & Equity	488,197	453,300	477,564	383,186	344,984	358,606
Total Debt	91,273	37,455	135,689	52,886	67,665	111,994
Net Cash (Debt)	-67,096	-22,750	-122,923	-39,225	-55,367	-89,108
Net Cash Per Share	-58.04	-19.65	-106.16	-33.87	-47.82	-76.95
Filing Date Shares Outstanding	1,154	1,158	1,158	1,158	1,158	1,158
Total Common Shares Outstanding	1,154	1,158	1,158	1,158	1,158	1,158
Book Value Per Share	18.59	20.45	18.91	17.53	14.19	14.31
Tangible Book Value	21,069	23,297	21,538	19,873	15,954	16,120
Tangible Book Value Per Share	18.26	20.12	18.60	17.16	13.78	13.92

Source: S&P Global Market Intelligence. Banks template. Financial Sources.